FDIC Certificate #: 25594 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Humboldt Bank (#27582) Federal Reserve ID: 877967 Date Established: August 30, 1984 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 6 (Interstate: No) OTS Docket #: 16126 FDIC's unique #: 17533 Numeric code: 13 Regulator: FED Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: August 30, 1984 Last Structure Change Effective Date: May 31, 2002 Last Structure Change Process Date: July 12, 2002 Last Data Update: July 12, 2002 Data Source Date: April 05, 2012
Location
Address: 333 Main Street, Red Bluff, CA 96080 County: Tehama Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Sacramento Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): Red Bluff, CA (#39780) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $257.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2001)
Dollar figures in thousands
61Total employees (full-time equivalent)
$266,657Total assets
$31,203Cash and due from depository institutions
$461Interest-bearing balances
$37,290Securities
$12,190Federal funds sold & reverse repurchase agreements
$172,814Net loans & leases
$2,750Loan loss allowance
$0Trading account assets
$2,062Bank premises and fixed assets
$166Other real estate owned
$568Goodwill and other intangibles
$0Life insurance assets
$10,364All other assets
$266,657Total liabilities and capital
$245,520Total liabilities
$239,992Total deposits
$179,565Interest-bearing deposits
$239,992Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,530Other borrowed funds
$0Subordinated debt
$3,998All other liabilities
$21,137Total equity capital
$21,137Total bank equity capital
$21,137Perpetual preferred stock
$0Common stock
$12,239Surplus
$0Undivided profits
Memoranda
$8,898Noncurrent loans and leases
$45,510Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,358Earning assets
$35Long-term assets (5+ years)
$1,422Average Assets, year-to-date
$222,755Average Assets, quarterly
$53,712Volatile liabilities
$252,971Insider loans
$266,511FHLB advances
$28,048Loans and leases held for sale
$3,987Unused loan commitments
$532Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1Total risk weighted assets
$45,510Total unused commitments
$703Restructured Loans and leases
$2,495Derivatives
Income and Expense (December 31, 2001)
Dollar figures in thousands
$16,810Total interest income
$6,863Total interest expense
$9,947Net interest income
$1,121Provision for loan and lease losses
$3,426Total noninterest income
$0Fiduciary activities
$877Service charges on deposit accounts
$0Trading account gains & fees
$2,549Additional noninterest income
$10,263Total noninterest expense
$3,480Salaries and employee benefits
$1,487Premises and equipment expense
$5,296Additional noninterest expense
$1,989Pre-tax net operating income
$186Securities gains (losses)
$752Applicable income taxes
$1,423Income before extraordinary items
$0Extraordinary gains - net
$1,423Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$650Sale, conversion, retirement of capital stock, net
$1,300Net operating income
Performance and Condition Ratios (December 31, 2001)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.84%Yield on earning assets
3.20%Cost of funding earning assets
4.64%Net interest margin
1.60%Noninterest income to earning assets
4.79%Noninterest expense to earning assets
0.51%Net operating income to assets
0.56%Return on assets (ROA)
0.86%Pretax return on assets
7.51%Return on equity (ROE)
0.65%Retained earnings to average equity (YTD only)
0.37%Net charge-offs to loans
172.46%Credit loss provision to net charge-offs
4.78%Efficiency ratio
76,408Assets per employee
4.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
91.36%Loss allowance to loans
1.57%Loss allowance to noncurrent loans
202.50%Noncurrent assets plus other real estate owned to assets
0.57%Noncurrent loans to loans
0.77%Net loans and leases to deposits
72.01%Net loans and leases to core deposits
81.16%Equity capital to assets
7.93%Core capital (leverage) ratio
7.76%Tier 1 risk-based capital ratio
10.41%Total risk-based capital ratio
Memoranda
$12Average assets
$252,971Average earning assets
$18,959Average equity
$214,421Average loans
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